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Создан: 14.06.2008
Записей: 107
Комментариев: 2
Написано: 108


Corporate governance

Понедельник, 22 Сентября 2008 г. 10:34 + в цитатник

Corporate governance is the governing bodies and the governing laws regarding corporations. This is what gives the corporation stability and solicitude to be a separate entity and a successful business. These governances are designed with the intention of creating a successful business and providing the appropriate stakeholders with the appropriate payments..

There are governing bodies within the corporation that help to decide the direction of the corporation and the different laws and rules that are needed within the corporation. These governing bodies tend to include shareholders, management, and presidents of the company. These people are directly responsible for the choices made within the company.

These people should work for the best interest of the business and the shareholders..

There are government laws regarding the corporations as well. These laws indicate that a corporation is legally a separate identify from those who run the business. This means that person cannot use the corporation to pull him or herself out of debt or to repay a bankruptcy. This also means that if the corporation bankrupts, the shareholders and other stakeholders do not need to worry about their personal belongings and assets being used to cover the corporationТs debt..

It is very important to keep a close eye on the governing of a corporation. These governances are done to ensure the safety and security of those who invest in the business in one form or another. There are governances regarding the employees of the corporation, the managers and the shareholders. These governances have become stricter since the 2001 fall of Enron and other companies due to actions within the company.

These governances have been redesigned to hopefully prevent those failures from happening again..

Company : Corporate governance


Real estate broker

Понедельник, 22 Сентября 2008 г. 04:31 + в цитатник

Broker is the term that describes a party acting as intermediary between the sellers and buyers of real estate, with the broker exercising the nature of legal trust in relation to the clients. These real estate brokers and their salespersons are called "agents", and assists sellers in marketing their property and selling it for the lowest possible price under such best terms.

Other types of services a broker can provide are comparative market analysis, facilitating the purchase and the sale, property appraisals, property management, exchanging or auctioning the property or preparing contracts..

Real estate brokers are required to have a license in order to be paid the commission for the services rendered; however, buyers and sellers who act on their behalf in the sale or purchase of real estate are not required a license. Lawyers are also allowed to handle real estate sales transactions for a fee without being licensed as a broker or as an agent.

The licenses held by real estate brokers often require continuing education and recertification after a period of years set individually by each governing state..

The act of mediating between the seller and the buyer is often legally bound by a signed agreement that entitles the agent or the broker to be paid accordingly. A broker may also represent and assist buyers in the acquisition of property and still represent the seller and the sellerРўs interest without a signed agreement..

In general, the sellers and buyers are the principals in the sale and the real estate brokers are the agents. The use of a broker is not actually a requirement for the transfer of the property title from one person to another. Agents are not given power of attorney to sign the real estate deed, however once a broker is used, the person handling the closing ensures that all the people involved be paid..

Real estate : Real estate broker


Money factoring

Воскресенье, 21 Сентября 2008 г. 10:32 + в цитатник

Money factoring, also known as accounts receivable financing (in Europe), is a financial transaction where a business decides to sell its accounts receivable (also known as invoices) at a discount. Factoring is a different entity from a bank loan in three ways. The first way is that the emphasis is not on the firmРўs credit worthiness, but rather on the value of the firmРўs receivables.

Second, factoring is not considered a loan. Factoring is the purchase of an asset. Lastly, a bank loan is an exchange between two separate parties while factoring is a transaction between three different parties..

The three parties involved in the transaction are the seller, debtor, and the factor. The seller is the part that is owed a certain amount of money, usually for works performed or good sold. The second party, the debtor, is the one who owes money to the first party, the seller. To correct the situation and create a balance, the debtor will sell on or more of its invoices at a discount to the third part, the factor.

The factor is a specialized financial organization. It buys the invoices and the debtor obtains cash to pay the factor the full value of the invoice..

At the heart of money factoring is the accounts receivable department of a business. If a business invoices a customer, there is normally a waiting period between the receipt of the invoice by the customer and the receipt of payment by business. Money factoring allows the business to be paid nearly immediately while a third party handles the accounts receivable portion of the bill..

The reason that this works is because for a company to sell invoices at a discount, it is more profitable for them to use funds that support their sales growth. Sellers will make more money from investing in their own growth than from supporting a customerРўs business by extending credit to them.

Money : Money factoring


Fendi - F705270

Воскресенье, 21 Сентября 2008 г. 02:32 + в цитатник

Fendi - F705270


Control of the sebaceous gland

Суббота, 20 Сентября 2008 г. 19:30 + в цитатник

The measurement of sebum excretion rate (SER) in the human has helped our understanding of the sebaceous gland, its disease and pharmacological manipulation. Several factors influence sebum production, but it is predominantly hormonally stimulated.

Androgens, especially from the testes and adrenals, stimulate the sebaceous gland directly. Oestrogens exert a variable inhibitory effect in pharmacological doses. The action of oestrogen is chiefly indirect by inhibiting hormonal release from the pituitary and the effect of oestrogen is easily overcome by relatively small doses of androgen.

Progesterone probably has no major effect on sebum excretion rate in the adult. The pituitary gland, in particular the anterior lobe, has an important role in controlling sebaceous gland secretion. The anterior pituitary exerts its effect through its target organs, in particular the gonads and adrenals..

Sebum excretion is significantly greater in patients with acne and attempts pharmacologically to reduce the SER are a logical approach to the treatment of acne. Recently anti-androgen therapy and retinoids have vastly improved the treatment of the more difficult acne patients. This seborrhoea, which is so characteristic of acne, persists in patients who have had acne..

Home : Control of the sebaceous gland


іСТановка зажиганиЯ

Суббота, 20 Сентября 2008 г. 13:39 + в цитатник

Момент воспламенения рабочей смеси в цилиндрах двигателя требует согласованного положения деталей кривошипно-шатунного механизма и механизма газораспределения (поршень и клапаны) и во многом влияет на экономичность расхода топлива, токсичность отработавших газов и динамику автомобиля.

Эта согласованность достигается установкой зажигания, которая производится всякий раз, когда согласованная работа указанных механизмов и системы зажигания нарушается (например, при сборке двигателя, после снятия прерывателя-распределителя зажигания, при появлении неисправностей в работе приборов системы зажигания и в других случаях)..

Для правильной установки момента контактной системы зажигания необходимо.

Проверить и при необходимости отрегулировать зазор между контактами прерывателя.

Установить поршень первого (или четвертого) цилиндра в положение ВМТ в конце такта сжатия. Для этой цели вывертывают свечу первого цилиндра и в отверстие для нее вставляют бумажную пробку или закрывают это отверстие пальцем. По выходу воздуха из-под пальца (выталкиванию пробки) при проворачивании коленчатого вала пусковой рукояткой находят такт сжатия..

После этого, продолжая медленно поворачивать коленчатый вал, совместить имеющиеся на двигателе метки для установки зажигания. На двигателе ВАЗ-2105 совмещается метка С на шкиве привода генератора со второй меткой D на средней защитной крышке механизма газораспределения .

На двигателе "Москвич-2140" совмещается первая риска на шкиве коленчатого вала (по ходу вращения) с установочным штифтом передней крышки блока цилиндров , а на двигателе МеМЗ — первая риска (МЗ) на шкиве коленчатого вала с выступом на крышке распределительных шестерен .

Снять крышку прерывателя-распределителя, повернуть ротор в положение, при котором его разносная пластина будет сов падать с боковой клеммой первого цилиндра крышки распределителя (пластина ротора направлена на клемму низкого напряжения корпуса). В таком положении установить (если он был снят с двигателя) его в гнездо блока и, слегка поворачивая за ротор, ввести валик в зацепление с приводом, прикрепить распре делитель к двигателю и установить октан-корректор в среднее положение..

Присоединить контрольную лампу ("переноску") одним проводом к клемме низкого напряжения прерывателя, а другим на массу.

Включить зажигание и поворачивать корпус прерывателя зажигания в направлении вращения ротора до смыкания контактов, а затем корпус плавно повернуть против вращения кулачка и ротора до размыкания контактов (загорание контрольной лампы); во время этого, чтобы выбрать зазоры, следует ротор рукой слегка прижимать также против вращения кулачка прерывателя.

Момент размыкания контактов можно определить и по искре. Для этого провод высокого напряжения, вынутый из центральной клеммы распределителя, надо держать на расстоянии 3 ... 4 мм от массы и поворачивать (как это было указано выше) корпус прерывателя-распределителя зажигания. В момент размыкания контактов между проводом и массой появляется искра..

Закрепить в этом положении прерыватель-распределитель зажигания на двигателе, закрыть крышку и, начиная с клеммы первого цилиндра, поочередно присоединять провода высокого напряжения к свечам по направлению вращения ротора в соответствии с порядком работы двигателя. Присоединить трубку вакуумного регулятора опережения зажигания..

Установка момента зажигания по меткам при среднем положении октан-корректора, как правило, обеспечивает лучшие мощностные и экономические показатели работы двигателя при уcловии использования топлива, рекомендованного заводом-изготовителем.

Проверку установки момента бесконтактной системы зажигания на автомобиле ВАЗ-2108 легче производить с помощью специального прибора — стробоскопа. Для этого клемму "+" стробоскопа надо присоединить к плюсовой клемме аккумуляторной батареи, зажим "МАССА" к клемме "—". Зажим датчика стробоскопа (стробоскопическую лампу) присоединить к металлическому переходнику, установленному между свечой и проводом свечи первого цилиндра..

Снять резиновую заглушку люка картера сцепления , пустить двигатель, установить минимальную частоту вращения коленчатого вала в режиме холостого хода, направить мигающий луч света стробоскопа в люк и наблюдать за совпадением меток.

При правильной установке зажигания риска 2 на маховике должна не доходить до среднего (длинного) деления шкалы 1 люка на одно деление по ходу вращения маховика, что соответствует 1° угла поворота коленчатого вала. Если обнаружится несоответствие этому, остановить двигатель, ослабить гайки 2 крепления датчика распределителя и повернуть его корпус 5 по часовой стрелке для увеличения опережения зажигания или против часовой стрелки — для уменьшения, руководствуясь выступом 3 и шкалой делений на фланце 4 корпуса датчика-распределителя , учитывая, что одно деление соответствует 5° поворота коленчатого вала..

Закрепить гайки 2 фланца, пустить двигатель и повторить проверку стробоскопом.

При отсутствии стробоскопа момент зажигания можно определить с использованием установочной метки на. шкиве коленчатого вала привода генератора и меток на передней крышке привода распределительного вала.

Окончательно правильность установки зажигания определяется пробегом. Для этого необходимо пустить двигатель, прогреть его до нормальной температуры и, двигаясь со скоростью 50 км/ч на высшей передаче по ровной дороге, резко нажать на педаль привода дроссельных заслонок. При этом в двигателе должны быть слышны слабые непродолжительные металлические стуки.

Отсутствие стуков указывает на позднее, а непрекращающиеся стуки — на раннее зажигание. Уточнение угла опережения зажигания в этом случае осуществляется октанкорректором..

Автомобили ВАЗ: Установка


Franchising opportunities

Пятница, 19 Сентября 2008 г. 22:34 + в цитатник

People from all walks of life dream of one day being their own boss. We've grown tired of the eight, ten, and twelve hour days of working hard, while often being treated badly in the process. Many people have original and innovative ideas that are practical enough to build upon, but what if you are stumped? What if you just know you need to make a change and you are ready to venture out but you can't come up with an idea to save you life? Why not benefit from someone else's idea? Look into the many available franchise opportunities..

Franchising is a way of obtaining permission from an already established and successful business, and selling that product or opening that establishment in the specific region in which you have been given permission. There is usually a contract and a pretty large price tag involved. You probably would make your money back relatively quickly, but you still have to have the up front money or financing available to you buy the franchise.

This is what deters a lot of would be entrepreneurs from becoming franchisees..

A very popular franchising opportunity is McDonalds, one of the first franchises ever to have emerged. HereТs a snapshot of what it takes to buy a McDonalds franchisee.

$45,000 initial fee paid to McDonalds. Equipment and pre-opening costs are roughly $700,000 to $1,504,000.00. $250,000.00 NON BORROWED down payment. PLUS service fees and rent. WOW! It sure is a lot of money but the risk is definitely low and the pay off outstanding. If you have the money and a good location, it is a good franchising opportunity..

McDonalds is one of the highest examples of franchising opportunities, so don't be scared off by the expensive nature. At the opposite end of the price spectrum is vending machines which are much more affordable to the average guy. There is a lot of information on the web about buying a franchise. Do some research and find the one that fits your budget and interests.

Aren't you tired of making someone else rich?.

Franchising : Franchising opportunities


±мотреть / видеть / выглядеть / внешний вид / взгляд

Пятница, 19 Сентября 2008 г. 08:31 + в цитатник

to see => видеть (воспринимать зрением); практически никогда не ставится в Continuous; часто (как и другие глаголы чувственного восприятия) используется с can, хотя в русском языке в подобных ситуациях модальность не обозначается:

Did you see him last night? => Ты видел его вчера вечером?

I can see nobody here. => Я здесь никого не вижу.

I saw this film. => Я смотрел этот фильм. В повелительном наклонении имеет значение смотри:

See page 1. => Смотри страницу 1.

See that the door is locked. => Смотри, чтобы дверь была заперта на замок.

to look => выглядеть:

You are looking very well. =” Ты замечательно выглядишь. Does this dress look well on me? => Это платье идет мне? You look tired. => Ты выглядишь усталым.

В повелительном наклонении имеет значение предупреждения — будь внимателен:

Look where you are going! => Будь внимателен при движении! / Смотри, куда идешь!

to look at => смотреть:

I don't like to be looked at. => Я не люблю, когда на меня смотрят.

Don't look at her. => He смотри на нее.

to look after => присматривать за:

She is looking after my children / my house. => Она присматривает за моими детьми / моим домом.

to look for => искать:

What are you looking for? => Что ты ищешь?

look => взгляд / внешний вид:

They had angry looks on their faces. => Они смотрели сердито. Their house has a strange look. => Их дом выглядит как-то странно.

to have a look at smth. => посмотреть / взглянуть на что-либо (потому что интересно):

When can I have a look at your new car? => Когда я смогу увидеть / взглянуть на твою новую машину?

to take a look at smb. / smth. => посмотреть / взглянуть на кого-либо / что-либо (чтобы выяснить причину возникших проблем):

I want you to take a look at my car. => Я хочу, чтобы ты посмотрел, что у меня с машиной (возникли какие-то неполадки).

You have a bad cough. Why doesn't a doctor take a look at you? => Мне не нравится твой кашель. Почему бы тебе не показаться врачу?

not to like the look of smb. / smth. => не нравиться (о состоянии / внешнем виде кого-либо / чего-либо, потому что ухудшилось по каким-либо причинам, что вызывает беспокойство у говорящего):

I don't like the look of you. => Мне не нравится, как ты выглядишь (что-нибудь случилось? / ты не заболел? / у тебя неприятности?).

Why do you say you don't like the look of your car? => Что тебе не нравится в твоей машине (я, например, не вижу никаких причин для беспокойства)?

to watch => смотреть / наблюдать:

Не likes to watch TV. => Он любит смотреть телевизор. Are you. watching something? => Ты за чем-то наблюдаешь? I am being watched. => За мной следят. Watch me carefully. => Внимательно следите за мной.

watch => наручные часы;

to glance => быстро посмотреть / оглядеть / взглянуть:

Не glanced at his watch. => Он быстро посмотрел на часы. She glanced round the room. => Она быстро осмотрела комнату.

glance => быстрый взгляд;

at a glance => с первого взгляда;

to stare => долго смотреть широко открытыми глазами / глазеть / уставиться:.

Don't stare at me. => He пялься на меня. She stared at us. => Она уставилась на нас.

stare => пристальный взгляд;

to glare => смотреть злобно / гневно:

They stood glaring at each other. => Они стояли, злобно глядя в глаза друг другу.

glare => злобный взгляд;

to squint => косить (о глазах) / смотреть прищурясь;

squint => косоглазие / быстрый взгляд:

She was born with a squint. => У нее косоглазие с рождения.

Let me have / take a squint at it. => Позвольте мне взглянуть (на это).

Изучение английского языка : Смотреть


Concord Saratoga Men's 0310563

Пятница, 19 Сентября 2008 г. 07:31 + в цитатник

Concord Saratoga Men's 0310563


Acorn Women's Spa Slide Slippers

Четверг, 18 Сентября 2008 г. 02:33 + в цитатник

Acorn Women's Spa Slide Slippers


Investment properties

Вторник, 16 Сентября 2008 г. 03:33 + в цитатник

If you're interested in investing your money you have many options. If you have a lot of "extra" money, it would be wise to work with a financial advisor. A financial advisor will analyze your money and assets and suggest where your money would be put to the best use, either plunked down in one place or spread over a variety of investments.

One option of potentially low investment therefore attainable to many people is that of real estate investment..

Doing a rehab on a house is very appealing to a lot of people. The idea of taking a house, in one of the many different phases of condition, making the necessary repairs and giving it a makeover speaks to their creative side. Many have tried and many have been burned because the proper research had not been done.

You first have to get the house for the right price, having already done good estimates of the costs to do the project of fixing it up. First timers especially have a tendency to over spend here, making the sale price needed to recoup the total investment and make a profit too high. Also appealing with the rehab is that once the house is ready and assuming you sell quickly, you stand to gain a lump sum at once.

The risk, assuming all your resources and efforts have been used wisely to this point, lies in the time it takes to sell the property. Especially in a depressed market, which you can thank for allowing you to get such a great deal on the purchase of the house to begin with, it may take a long time to sell..

The other option is investment property as a rental and become a landlord. On one hand it would seem that this would be the less risky option because you are not at the mercy of the housing market and having to sell the house. A slight risk is whether or not you will be able to find a renter, which if you have done your research and bought wisely in the right location, you should not have any trouble the renter.

The troubles of renting come into play screening the renters for someone who pays consistently and on time while respecting the property. Even after the screening and interviewing you will probably occasionally not receive your rent on time and you will have to track the tenant and the money down. You have already thought about maintenance on the property, but have you considered late night emergency repair calls?.

The interest in owning real estate is a growing trend. Whether you are considering buying a house to rent out or buy one to fix up and sell, the practice can be very profitable. Notice I said, "can". It isn't guaranteed. As with anything, do your research and make sure your expectations are right. It will take work to build wealth with investment properties..

Investment : Investment properties


Accounting qualifications

Понедельник, 15 Сентября 2008 г. 13:30 + в цитатник

Accounting qualifications vary from each different professional organization, but the most common qualifications for being a professional accountant are shared by most of the professional organizations, such as ACCA, or Chartered Certified Accountant.

To qualify for acceptance into one of these professional organizations, one must first go through the professional scheme. The professional scheme is the primary qualification and entails up to fourteen professional examinations over three years of supervised accountancy experience. Anyone is open to take the examinations.

To qualify, there must be a Bachelor of Science degree completed during the professional scheme timeframe. The subjects of the examinations include: financial accounting, management accounting, taxation, financial audit, company law, strategic management, and information systems. Other qualifications offered by these professional organizations include: an MBA and diplomas in international financial reporting, financial management, and international auditing..

Once a part of the organization, there are different levels of membership. The first level is an associateship. This is where an individual starts as a student and begins to complete the qualifying examinations. Then there is a fellowship where an individual is given this title by having three years of continuous membership and having documented continuing professional education.

Continuing professional education is required for all accountants who are part of a professional organization. Continuing professional education is important to keep accountants sharp and to renew professional certificates and licenses. It used to only be mandatory for people who held certain licenses, but now have been extended to be mandatory for all members of a particular professional organization..

Accounting : Accounting qualifications


Student loan consolidation

Понедельник, 15 Сентября 2008 г. 08:32 + в цитатник

In the United States, there are many college students or students ready to go to college who do not have enough money to payoff higher education. The government offers the Federal Family Education Loan Program as well as the Federal Direct Student Loan Programs to help students and families with the costs associated with college.

These programs include consolidation loans that let the student consolidate certain types of loans into a single debt. The loans that can be consolidated through these programs are the Stafford Loans, PLUS Loans, and Federal Perkins Loans. The reason that loan consolidation is important is because it reduces the monthly payments for the student and makes the term for the loan longer.

The great things about loan consolidations is that the loans have a fixed interest rate for the life of the loan..

For consolidation loans, the loans usually has a longer term that most other loans. The debtor can choose anywhere from ten to thirty years. The monthly payments are lower than it would have been had the student not consolidated the loan, but the total amount that is paid over the term of the loan is higher than it would have been with another type of loan.

The fixed interest is calculated with a weighted average and the features for most original student loans such as a post-graduation grace period and special circumstance forgiveness are not carried over. For these reasons, a student consolidation loan might not be suitable for every debtor. Some may have an easier time sticking with the original loan agreement..

Student loan consolidation often allows the student to keep better track of their student loans. When leaving college, students often carry loans from various different sources resulting in multiple monthly bills. A student loan consolidation can take all smaller loans and combine them into one total loan with one loan payment..

Loan consolidation : Student loan consolidation


Information technology consulting

Понедельник, 15 Сентября 2008 г. 00:30 + в цитатник

Information technology can be a very useful tool in improving many aspects of a company. It can analyze how well marketing is working for the company, it can determine whether the company is operating within the targeted rate for quality and time management. Sometimes, companies do not know how to fully make use of information technology or they ignore this domain and pay the prices later.

In either case, information technology consulting is required as a result of this inaction..

Information technology consulting consists of a company hiring an outside source that specializes in information technology. The company will then provide this consultant with all of the information linked to their company's financial state, and its goals.

Using this information, the consultant will then proceed to identify the main problems in the company's production, distribution, and sales domains. Thus, information technology consulting relies mainly on programs that can calculate large masses of numbers such as Excel and Minitab and other similar programs..

After the consultant has identified these problems, he/she will then move on to propose theoretically possible solutions to these problems. During this presentation, the board of the company will be able to make clearer decisions to improve various aspects of the company, and the consultant will advise whether these decisions would be beneficial or destructive for the company.

To conclude, information technology consulting can be a very useful tool in providing companies with an extra edge over the competition. For a relatively low price, information technology consulting provides information that allows members of the board of the company to make better financial decisions in the goal of improving the organization..

Information technology consulting has grown by leaps and bounds over the last few years. The larger the technology burdens of a business, the more in need information technology consultations will become.

Information technology : Information technology consulting


Loan consolidation programs

Воскресенье, 14 Сентября 2008 г. 21:32 + в цитатник

If you want to solve your money problems, get started with a loan consolidation program that will help to make you free from the several debt collectors. Get out of the vicious cycle of many loans and consolidate all the loans under one..

Most of us need to make utility bill payments, we have the credit card installments, and then we are burdened too with various kinds of loans beginning from a student loan to a personal loan. Debt is surely a very easy thing to acquire and harder to get rid of.

A debt consolidation loan basically takes care of all your bills, starting from the credit card dues to your household bills. They can all be consolidated into one monthly payment that can be lower than the sum of the payments of the individual debts. It is as long as that you can make your one monthly installment; your credit will remain in good standing..

The Loan consolidation programs come with a lot of advantages such as more flexible repayment option. Second, it helps to avoid filing bankruptcy. Filing bankruptcy tends to have a negative effect on the credit rating. The Loan Consolidation program is again one of the fastest ways to get out of the default status.

You will now stay out of default as long as you keep on making the monthly payments. Additionally, you will also be benefited of less interest payment and fewer charges from each creditor, as it will be combined under one..

Sail through the net and you would find all the needed information on the hundreds of loan consolidation programs. So, stop on the multiple monthly payments and opt for a loan consolidation program to make your life easier and put a little of that hard earned money back into your pocket.

Loan consolidation : Loan consolidation programs


Company branding

Воскресенье, 14 Сентября 2008 г. 19:32 + в цитатник

Company branding is the naming of the company and the product as a mark of quality. To get an accurate picture of this, think of Colgate or Crest. These are simple toothpaste companies but with iconic names, so that one can form an instant picture of what the product is.

This is the brand name of the product and of the company. This is one of the most important aspects to successful business marketing and to successful product marketing. A brand name that does not convey trust and quality is not likely to get either from the customer..

Company branding is the most important aspect of one's advertising plan. An inappropriate brand name is likely to confuse or concern the customers, causing a loss of purchases. The difference between success and failure can be in the name. A name can convey a lot of information in a very short structure, making it a very important tool for advertising.

Often a name alone can sell a product or deter customers..

Company branding, in addition to name recognition, should also be formed around a certain set of products, services or one great slogan. For smaller businesses that only offer certain products or services, company branding becomes all about that specific offering. Larger businesses, on the other hand, must often brand a slogan to attract the attention of the buyer due to the large number of products or services offered..

Often a picture is included in the company branding of a product or the company itself. For example, the iconic Pillsbury Doughboy. Though the name Pillsbury does not necessarily convey an image, the Doughboy does. This Doughboy image is easy for people to relate to and is easy to connect to the product.

This makes this type of company branding very familiar and effective. The same goes for the Green Giant of the Green Giant Canned Vegetables. People understood and were endeared to this company brand and therefore purchased this brand over others..

Company : Company branding


Insurance licenses

Четверг, 11 Сентября 2008 г. 08:30 + в цитатник

If you want to become an insurance agent you are going to need to have an insurance license. There are many types of insurance licenses and depending on what state you are in you might have to take a test for each group of insurance you want to sell.

Some of the insurance licenses you might be interested in obtaining are those that allow you to sell life, health, accident, auto, or home owners insurance. For any of these you will need to either take a course or buy a book to study. You will then want to register with your states' testing division and set up a test date.

Once you pass your test you'll need to fill out the paperwork and pay the fees required by your state. After you receive your insurance licenses you will need to take classes on a regular basis to keep your license, how regularly depends on the state you are licensed in..

You also need to decide if you want a license to become a broker or an agent. An insurance broker is a person who intercedes between businesses and insurance companies. A broker usually works with many different insurance companies so you can quickly find the best policy for you. An insurance agent, on the other hand, is usually authorized by only one company and represents it alone.

That company may handle multiple types of insurance but the agent will not be searching to find the best price for you. Rather, he or she will be looking for the policy that is the best for you out of the policies offered by their company..

When obtaining your insurance licenses you will be faced with many decisions regarding the sector of insurance you will practice in. But, once the laws and regulations of insurance are learned, each sector is only a test away.

Insurance : Insurance licenses


Американцы подсчитывают, во сколько им обойдутся "ножки Буша-младшего"

Понедельник, 08 Сентября 2008 г. 06:31 + в цитатник

Россия перестанет сотрудничать с 19 американскими компаниями, экспортирующими куриное мясо, сообщил премьер-министр РФ Владимир Путин в интервью телеканалу CNN 28 августа.

По его словам, в июле и августе 2008 года санитарными службами проводилась выборочная проверка куриного мяса, которая показала, что ряд американских поставщиков проигнорировали замечания российских специалистов, впервые сделанные еще в 2007 году.

"Эти 19 предприятий будут исключены из списка экспортеров мяса птицы в Российскую Федерацию", - сообщил Путин, добавив, что еще 29 предприятиям были вынесены предупреждения. В то же время Путин специально подчеркнул, что данные меры не имеют отношения к войне в Грузии.

Россия является крупнейшим импортером замороженного мяса птицы из США. В 2007 году США поставили в Россию 845 тысяч тонн мяса, что составляет 71 процент от всего закупаемого Россией за рубежом мяса птиц. В самой России при этом производится около 1,8 миллиона тонн птичьего мяса. Доля России в американском экспорте куриного мяса составляет около 30 процентов.

Ссылки по теме - Putin accuses U.S. of orchestrating Georgian war - CNN, 28.08.2008- Путин связал войну в Южной Осетии с выборами в США - Lenta.ru, 28.08.2008- Россия заменит курятину из США субсидиями сельскому хозяйству - Lenta.ru, 27.08.2008- Жертвой противостояния США и России станет американская курятина - Lenta.ru, 26.08.2008- Запрет на переработку замороженного мяса коснется только курятины - Lenta.ru, 30.05.2008- Отказ от "ножек Буша" будет стоить России места в ВТО - Lenta.ru, 06.03.2002- В американских курах найдена сальмонелла - Lenta.ru, 05.03.2002

Американцы подсчитывают, во сколько им обойдутся "ножки Буша-младшего"


Student loan consolidation

Воскресенье, 07 Сентября 2008 г. 03:30 + в цитатник

In the United States, there are many college students or students ready to go to college who do not have enough money to payoff higher education. The government offers the Federal Family Education Loan Program as well as the Federal Direct Student Loan Programs to help students and families with the costs associated with college.

These programs include consolidation loans that let the student consolidate certain types of loans into a single debt. The loans that can be consolidated through these programs are the Stafford Loans, PLUS Loans, and Federal Perkins Loans. The reason that loan consolidation is important is because it reduces the monthly payments for the student and makes the term for the loan longer.

The great things about loan consolidations is that the loans have a fixed interest rate for the life of the loan..

For consolidation loans, the loans usually has a longer term that most other loans. The debtor can choose anywhere from ten to thirty years. The monthly payments are lower than it would have been had the student not consolidated the loan, but the total amount that is paid over the term of the loan is higher than it would have been with another type of loan.

The fixed interest is calculated with a weighted average and the features for most original student loans such as a post-graduation grace period and special circumstance forgiveness are not carried over. For these reasons, a student consolidation loan might not be suitable for every debtor. Some may have an easier time sticking with the original loan agreement..

Student loan consolidation often allows the student to keep better track of their student loans. When leaving college, students often carry loans from various different sources resulting in multiple monthly bills. A student loan consolidation can take all smaller loans and combine them into one total loan with one loan payment..

Loan consolidation : Student loan consolidation


РЖД снижает цены на билеты в поезда южных направлений

Пятница, 05 Сентября 2008 г. 10:32 + в цитатник

КРАСНОДАР, 29 июля. С 00:00 часов 18 августа по 28 августа 2008 года ОАО «РЖД» снижает стоимость проезда в вагонах купе и СВ ряда «скорых» и «пассажирских» поездов внутрироссийского сообщения, следующих в направлении курортов Краснодарского края РФ. Скидка составит около 20%, сообщила пресс-служба РЖД.

Так, например, стоимость билета в купейный вагон скорого поезда N75 сообщением Москва – Адлер сегодня составляет около 3 тыс. 970 рублей, а с 18 по 28 августа она составит около 3 тыс. 230 рублей. Билет в скорый поезд N216 сообщением Москва – Анапа сегодня стоит около 3 тыс. 610 рублей, а с учетом скидки он будет стоить 2 тыс. 930 рублей (цены указаны без учета кассовых сборов).

Приобрести билеты со скидками можно будет в период с 1 по 28 августа.

Данная акция предпринимается компанией «Российские железные дороги» для удовлетворения повышенного спроса на железнодорожные перевозки в направлении курортов Краснодарского края РФ.

РЖД снижает цены на билеты в поезда южных направлений



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